Do I need to disclose an attack of atrial fibrillation that happened 6 years ago when applying for life insurance?

I am about to apply for life insurance. One of the questions on the form is “have you ever had heart disease or heart trouble?
I did have an atrial fibrillation attack about 6 years ago and have had a few since then. If I disclose that, I fear they will not issue a policy with low premiums to me!!

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    If the life insurance application is asking that question about heart disease or heart trouble, you do need to disclose the details of your atrial fibrillation. You are correct that your premiums will not be as low as if you had not had attacks of atrial fibrillation over the past 6 years. But if you were to withhold that information and passed away next month, your family would not receive the life insurance they thought you were leaving for them.

    You can still get a low premium; it just won't purchase as much life insurance as if you had perfect health. Contact a good impaired risk life insurance specialist such as our agency to help you.
    Answered on July 30, 2013
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